Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 29.6 percent and a “hot money” ratio of 19.0 percent. Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 0.0.
Asset Mix:
Home mtgs (49%), consumer loans (14%), other (36%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
101 West Denver Street
Holyoke, CO 80734
Holyoke, CO 80734
Phone Number
(970) 854-3109
NCUA Charter Number
Website
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